Credit management and default of Banco Pichincha del Perú, period 2019

• Autor: Hinostroza Hermoza, Henry
• Formato: artículo
• Fecha de Publicación: 2021
• Institución: Universidad Nacional Mayor de San Marcos
• Repositorio: Revistas - Universidad Nacional Mayor de San Marcos
• Lenguaje: español
• OAI Identifier: oai:ojs.csi.unmsm:article/20354
• Enlace del recurso: https://revistasinvestigacion.unmsm.edu.pe/index.php/quipu/article/view/20354
• Nivel de acceso: acceso abierto
• Materia: Credit management; Delinquencies; Credit evaluation; Credit Conditions; Gestión crediticia; morosidad; evaluación crediticia; condiciones de crédito

Objective: To determine the incidence of credit management in the delinquency of the microfinance area of ​​Banco Pichincha del Peru during the year 2019, considering information and data from the microfinance area of ​​the agency in question. Method: The research was descriptive, transversal, has a quantitative approach, a non-experimental design, and a quantitative scope. The sample was made up of 124 overdue loans granted by the microfinance area of ​​Banco Pichincha del Peru, during the period of 2019. Results: The investigation’s results show a significant incidence of credit management on delinquencies, finding that 9,12% of the credits approved by the microfinance area are in arrears. Likewise, considering credit management, there is a negative correlation of -0,113 in terms of credit evaluation, and in the same way, a negative correlation of -0,023 in terms of credit conditions. Conclusion: It is concluded that credit conditions have a significant impact on delinquency in the microfinance area of ​​Banco Pichincha del Peru, showing a negative correlation degree of -0,027.